Share Accounts
.
Amounts
Amounts
APY
.
$0 - $20,000
1.00%
1.01%
Rates are declared the fourth Tuesday of each month ending a quarter (March June, September and December). Dividends are calculated on average daily balance during the three month dividend period.
Special Purpose Accounts
.
Description
Rate
APY
.
I.R.A.
Individual Retirement Account
2.25%
2.27%
Dividends are paid on the average daily balance for the three month period and are paid quarterly.
Other Savings Accounts
.
Vacation Share Savings Account
Local Ironworkers
1.00%
1.01%
.
Christmas Club Account
1.00%
1.01%
Dividends are paid on the average daily balance and are paid monthly on the two account types listed above.
Money Market Accounts
 
Amounts
.
APY
 
$2,000- $10,000
.
3.25%
 
$10,001- $25,000
  
3.75%
 
$25,001 - $50,000
.
4.25%
 
$50,000 - $100,000
.
4.75%
 
$100,001 plus
.
5.00%
Dividends are paid on the average daily balance and are paid monthly on the account types listed above.
Share Certificates
3 - 60 months available. Call for rates.
Minimum balance required for all certificates is $500. Penalty applies for early withdrawal.

*All rates are subject to change without notice.
 
Vehicle Loans
Type
Year
Rate**
New Vehicle
Never titled
from 4.00%
Used Vehicle
up to 7 years old
from 6.50%
Other Loans
Type
Maximum to loan
Rate
Signature
$20,000
from 6.50%
Share Secured
Value of shares pledged
3.5%
VISA
$20,000
5.9%, 10.9%, 14.9%
based on credit history
Home Equity
Rate:
From 0.5% below Prime based on closing loan to value
Draw Period:
5 years
Repayment Period:.
15 years
Rate Change Frequency:
Quarterly
Maximum to loan:
90% loan to value
Minimum Payment:
$100
Real Estate Loans
Term:
Over 80% LTV requires PMI.
Prime rate as listed in the Wall Street Journal Money Section,
subject to change.

Call for current rates.
630.859.2276
Ask for Martin.